Privacy Policy

In compliance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (GDPR), and Organic Law 3/2018 of 5 December on the Protection of Personal Data and guarantee of digital rights (LOPDGDD), the Owner informs the User of the following:

This Privacy Policy applies to users of the website, clients, potential clients, collaborators, partners, and candidates who interact with United Expat Insurance through forms, digital channels, professional collaboration programs, or selection processes.

Identity of the Controller

United Expat Insurance is a registered trademark of the Owner for class 36 (insurance services, insurance consultancy, insurance brokerage, insurance underwriting), filed with the Spanish Patent and Trademark Office under number 4.149.904, acting as a trade name and protecting the interests and rights of the Owner.

Owner: Sergio Agustí Sánchez
NIF: 33458993L
Registration number with the Directorate-General for Insurance and Pension Funds (DGSFP): F3480
Postal address: PO Box 403, 46002 Valencia, Spain
Telephone: +34 963 79 14 52
Email: info@unitedexpatinsurance.com
Website: https://unitedexpatinsurance.com

Purpose of Data Processing

The personal data collected by the Owner will be used for the following purposes:

Provision of services related to insurance intermediation.
Provision of services related to insurance intermediation, including brokerage, advisory, management, and administrative services in accordance with applicable regulations.
Administrative, legal, accounting, and tax management related to the contracted services.
Communication with the User to respond to inquiries, provide requested information, or manage claims and procedures.
Management of applications, selection processes, and professional collaboration relationships, including participation in partner or collaborator programs, as well as communications necessary for the evaluation, onboarding, and management of such relationships.
Commercial and promotional communications, provided that prior and express consent has been granted by the User.
Communication with the User through digital channels, including email and messaging applications such as WhatsApp, when consent has been granted.

Lawful Basis for Processing

The processing of personal data is based on one or more of the following legal bases:

Execution of a contract or application of pre-contractual measures.
Compliance with legal obligations applicable to the Owner as an insurance intermediary.
Legitimate interest of the Owner, for example, in ensuring website security, managing professional collaboration processes, or improving services.
User’s consent, in cases of commercial communications or optional data.

Retention of Personal Data

Personal data will be retained for the time necessary to fulfill the purposes for which they were collected and while there may be legal or contractual liabilities arising from the services provided.

Specifically:

For insurance mediation services, data will be retained for the legally required period.
For professional collaboration or selection processes, data will be retained for the duration of the process and, where applicable, for the period necessary to manage the resulting contractual or professional relationship.
For commercial communications, data will be retained until consent is withdrawn.
After such periods, data will be securely deleted or anonymized.

Recipients of Personal Data

The User’s data may be communicated to:

Insurance companies with which the Owner collaborates for the mediation of policies.
Public administrations, when legally required.
Financial institutions for the collection of services.
Service providers acting as data processors, under confidentiality agreements in accordance with the GDPR.
All data transfers will be carried out under appropriate legal safeguards.

Data may be transferred outside the EEA where appropriate safeguards are implemented, such as Standard Contractual Clauses.

Rights of Users

The User may exercise the following rights:

Right of access: Obtain confirmation as to whether personal data concerning them are being processed.
Right of rectification: Request the correction of inaccurate or incomplete data.
Right of erasure (“right to be forgotten”): Request the deletion of personal data when they are no longer necessary for the purposes for which they were collected.
Right of restriction of processing: Request restriction of data processing in certain circumstances.
Right of data portability: Receive personal data in a structured, commonly used, and machine-readable format, and transmit it to another controller.
Right to object: Oppose the processing of personal data, in particular for direct marketing purposes.

To exercise these rights, the User may send a written request to:

Sergio Agustí Sánchez – United Expat Insurance
Email: info@unitedexpatinsurance.com
Postal address: PO Box 403, 46002 Valencia, Spain

The Owner may request additional information where necessary to verify the identity of the applicant.

Security of Personal Data

The Owner has implemented the necessary technical and organizational measures to ensure the security and confidentiality of personal data, preventing their alteration, loss, unauthorized access, or improper processing, in accordance with applicable legislation.

However, the User should be aware that Internet security measures are not infallible.

Complaints before the Supervisory Authority

If the User considers that their rights have not been properly addressed, they may lodge a complaint with the Spanish Data Protection Agency (AEPD) at www.aepd.es.